Ryvyl Inc.(RVYL)Earnings, Financials & Key Ratios
RVYL•NASDAQ
$6.75
$1M mkt cap·Price updated May 7, 2026
AboutGreenBox POS, a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions. Its blockchain-based systems facilitate, record, and store a volume of tokenized assets, representing cash or data, on a blockchain-based ledger. The company's products include QuickCard Payment System, a physical and virtual cash management system, including software that facilitates deposits, cash, and e-wallet management; point of sale solutions comprising software and hardware; and Loopz software solution, a mobile delivery service operations management solution with automated dispatch functionality. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors. The company was formerly known as ASAP Expo, Inc. GreenBox POS was incorporated in 2007 and is based in San Diego, California.Show more
- Revenue$56M-15.0%
- EBITDA-$19M-91.0%
- Net Income-$27M+49.5%
- EPS (Diluted)-140.35+60.3%
- Gross Margin40.05%+2.6%
- EBITDA Margin-33.25%-124.7%
- Operating Margin-37.3%-99.7%
- Net Margin-47.9%+40.6%
- ROE-243.87%+50.5%
- ROIC-64.45%-176.4%
- Interest Coverage-6.69-796.4%
RVYL Key Insights
Ryvyl Inc. (RVYL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓FCF machine: 37.8% free cash flow margin
- ✓Momentum leader: RS Rating 99 (top 1%)
- ✓Strong 5Y sales CAGR of 41.1%
✗Weaknesses
- ✗Shares diluted 27.5% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
RVYL Price & Volume
Ryvyl Inc. (RVYL) stock price & volume — 10-year historical chart
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RVYL Growth Metrics
Ryvyl Inc. (RVYL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years34.98%
5 Years41.13%
3 Years28.64%
TTM-44.25%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM60.05%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM75.12%
Return on Capital
10 Years-27.92%
5 Years-231.97%
3 Years-47.13%
Last Year-67.53%
RVYL Peer Comparison
Ryvyl Inc. (RVYL) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 PRTH | 451.31M | 5.51 | 8.10 | 8.33% | 5.84% | |||
 USIO | 36.33M | 1.31 | -14.04 | 2.97% | -2.94% | -13.52% | 0.14 | |
 IIIV | 506.18M | 22.91 | 40.91 | -7.29% | 7.33% | 3.22% | 0.01 | |
 FOUR | 3.81B | 46.86 | 43.39 | 25.5% | 2.58% | 4.39% | 2.36 | |
 EVTC | 1.44B | 23.36 | 10.62 | 10.21% | 13.95% | 18.65% | 1.58 | |
 FLYW | 2.12B | 17.73 | 161.18 | 26.59% | 6.65% | 5.87% | ||
 PAGS | 1.73B | 10.12 | 7.20 | 5.57% | 10.72% | 14.4% | 2.38 | |
 V | 616.45B | 321.33 | 31.50 | 11.34% | 58.9% | 0.66 |
Compare RVYL vs Peers
Ryvyl Inc. (RVYL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RVYL Income Statement
Ryvyl Inc. (RVYL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 1.72M | 2.13M | 910.81K | 10M | 8.53M | 26.3M | 32.91M | 65.87M | 56M | 35.42M |
| Revenue Growth % | -19.05% | 24.41% | -57.32% | 998.24% | -14.77% | 208.56% | 25.11% | 100.15% | -14.99% | -44.25% |
| Cost of Goods Sold | 817.3K | 1.07M | 677.15K | 11.09M | 4.83M | 10.07M | 16.79M | 40.16M | 33.57M | 20.3M |
| COGS % of Revenue | 47.64% | 50.17% | 74.35% | 110.88% | 56.61% | 38.28% | 51.01% | 60.96% | 59.95% | - |
| Gross Profit | 898.23K▲ 0% | 1.06M▲ 18.4% | 233.66K▼ 78.0% | -1.09M▼ 565.8% | 3.7M▲ 439.9% | 16.23M▲ 338.8% | 16.12M▼ 0.7% | 25.71M▲ 59.5% | 22.43M▼ 12.8% | 15.12M▲ 0% |
| Gross Margin % | 52.36% | 49.83% | 25.65% | -10.88% | 43.4% | 61.72% | 48.99% | 39.04% | 40.05% | 42.68% |
| Gross Profit Growth % | -6.59% | 18.4% | -78.03% | -565.75% | 439.93% | 338.85% | -0.69% | 59.48% | -12.78% | - |
| Operating Expenses | 784.78K | 867.72K | 6.28K | 4.52M | 8.8M | 45.44M | 53.96M | 38.01M | 43.31M | 26.67M |
| OpEx % of Revenue | 45.75% | 40.66% | 0.69% | 45.22% | 103.27% | 172.75% | 163.97% | 57.71% | 77.34% | - |
| Selling, General & Admin | 784.78K | 867.72K | 1.57M | 3.25M | 7.42M | 40.66M | 26.77M | 29.7M | 25.86M | 18.1M |
| SG&A % of Revenue | 45.75% | 40.66% | 172.18% | 32.51% | 87.01% | 154.57% | 81.34% | 45.1% | 46.18% | - |
| Research & Development | 0 | 110.95K | 376.87K | 1.26M | 1.36M | 3.87M | 6.28M | 5.76M | 3.85M | 1.61M |
| R&D % of Revenue | - | 5.2% | 41.38% | 12.55% | 16% | 14.71% | 19.07% | 8.74% | 6.87% | - |
| Other Operating Expenses | 0 | 867.72K | 6.28K | 16.22K | 22.74K | 912.68K | 20.92M | 2.55M | 13.6M | 3.54M |
| Operating Income | 113.45K▲ 0% | 195.75K▲ 72.5% | 6.28K▼ 96.8% | -5.61M▼ 89526.2% | -5.1M▲ 9.0% | -29.21M▼ 472.2% | -37.84M▼ 29.6% | -12.3M▲ 67.5% | -20.89M▼ 69.8% | -11.55M▲ 0% |
| Operating Margin % | 6.61% | 9.17% | 0.69% | -56.1% | -59.87% | -111.03% | -114.98% | -18.68% | -37.3% | -32.62% |
| Operating Income Growth % | -67.91% | 72.54% | -96.79% | -89526.18% | 9.04% | -472.18% | -29.56% | 67.49% | -69.77% | - |
| EBITDA | 123.92K | 206.83K | 12.88K | -5.6M | -5.09M | -28.29M | -16.88M | -9.75M | -18.62M | -10.79M |
| EBITDA Margin % | 7.22% | 9.69% | 1.41% | -55.96% | -59.69% | -107.56% | -51.29% | -14.8% | -33.25% | -30.47% |
| EBITDA Growth % | -65.72% | 66.91% | -93.77% | -43548.53% | 9.09% | -456.03% | 40.35% | 42.24% | -91% | 30.95% |
| D&A (Non-Cash Add-back) | 10.47K | 11.09K | 6.61K | 14.02K | 15.88K | 912.68K | 20.96M | 2.55M | 2.26M | 763K |
| EBIT | 117.01K | -334.36K | -1.79M | -4.49M | -3.5M | -30.34M | -27.09M | -36.34M | -22.57M | -12.21M |
| Net Interest Income | -22.13K | 0 | -106.82K | -799.71K | -1.51M | -4.93M | -22.15M | -16.47M | -3.12M | -2.61M |
| Interest Income | 0 | 0 | 6.28K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 22.13K | 33.58K | 59.57K | 799.71K | 1.51M | 4.93M | 22.15M | 16.47M | 3.12M | 2.61M |
| Other Income/Expense | -18.57K | -504 | -181.82K | 926.92K | 96.95K | -6.06M | -11.41M | -40.51M | -4.8M | -3.27M |
| Pretax Income | 94.88K▲ 0% | 167.44K▲ 76.5% | -53.3K▼ 131.8% | -4.68M▼ 8689.4% | -5.01M▼ 6.9% | -35.27M▼ 604.4% | -49.24M▼ 39.6% | -52.81M▼ 7.2% | -25.68M▲ 51.4% | -14.83M▲ 0% |
| Pretax Margin % | 5.53% | 7.85% | -5.85% | -46.83% | -58.74% | -134.08% | -149.64% | -80.18% | -45.87% | -41.86% |
| Income Tax | 37.02K | 77.97K | -19.11K | 0 | 0 | 4.91K | -8.7K | 289K | 1.14M | 572K |
| Effective Tax Rate % | 39.02% | 46.57% | 35.86% | 0% | 0% | -0.01% | 0.02% | -0.55% | -4.44% | -3.86% |
| Net Income | 57.86K▲ 0% | 89.47K▲ 54.6% | -34.19K▼ 138.2% | -4.68M▼ 13603.2% | -5.01M▼ 6.9% | -35.27M▼ 604.5% | -49.24M▼ 39.6% | -53.1M▼ 7.9% | -26.82M▲ 49.5% | -19.97M▲ 0% |
| Net Margin % | 3.37% | 4.19% | -3.75% | -46.83% | -58.74% | -134.1% | -149.61% | -80.62% | -47.9% | -56.37% |
| Net Income Growth % | -77.79% | 54.64% | -138.21% | -13603.19% | -6.89% | -604.46% | -39.58% | -7.85% | 49.48% | 60.05% |
| Net Income (Continuing) | 57.86K | -334.37K | -1.89M | -4.68M | -5.01M | -35.27M | -49.24M | -53.1M | -26.82M | -15.4M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1000K |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.84▲ 0% | 1.24▲ 47.5% | -0.44▼ 135.6% | -61.25▼ 13788.9% | -72.10▼ 17.7% | -227.50▼ 215.5% | -378.00▼ 66.2% | -353.85▲ 6.4% | -140.35▲ 60.3% | -23.45▲ 0% |
| EPS Growth % | -80% | 47.5% | -135.59% | -13788.89% | -17.71% | -215.53% | -66.15% | 6.39% | 60.34% | 75.12% |
| EPS (Basic) | 0.84 | 1.24 | -0.44 | -61.25 | -72.10 | -227.50 | -378.00 | -353.85 | -140.35 | - |
| Diluted Shares Outstanding | 68.79K | 72.22K | 77.45K | 79.91K | 85.34K | 116.31K | 130.21K | 150.05K | 191.26K | 851.34K |
| Basic Shares Outstanding | 68.79K | 72.22K | 77.45K | 79.91K | 85.34K | 116.31K | 130.21K | 150.05K | 191.26K | 815.62K |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
RVYL Balance Sheet
Ryvyl Inc. (RVYL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 62.37K | 111.16K | 749.77K | 12.08M | 12.01M | 96.57M | 59.22M | 89.86M | 95.38M | 19.78M |
| Cash & Short-Term Investments | 32.76K | 90.28K | 284.98K | 0 | 0 | 89.05M | 13.96M | 12.18M | 2.6M | 1.16M |
| Cash Only | 32.76K | 90.28K | 284.98K | 0 | 0 | 89.05M | 13.96M | 12.18M | 2.6M | 1.16M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 29.61K | 0 | 50K | 70.26K | 10.1M | 6.69M | 8.58M | 13.69M | 1.16M | 839K |
| Days Sales Outstanding | 6.3 | - | 20.04 | 2.56 | 432.57 | 92.84 | 95.2 | 75.88 | 7.59 | 9.92 |
| Inventory | 0 | -3.34K | -952.91K | 0 | 0 | 286.36K | 302.04K | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | 10.38 | 6.57 | - | - | - |
| Other Current Assets | 0 | 3.34K | 869.82K | 11.97M | 1.83M | -5.88M | 36.37M | 63.99M | 91.62M | 17.79M |
| Total Non-Current Assets | 60.67K | 78.76K | 30.71K | 296.13K | 256.69K | 17.42M | 38.44M | 38.8M | 26.89M | 3.63M |
| Property, Plant & Equipment | 60.67K | 78.76K | 30.71K | 296.13K | 175.06K | 3.11M | 3.23M | 4.58M | 3.59M | 1.92M |
| Fixed Asset Turnover | 28.27x | 27.10x | 29.65x | 33.78x | 48.70x | 8.47x | 10.19x | 14.37x | 15.60x | 12.94x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 6.55M | 26.75M | 26.75M | 18.86M | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 7.58M | 6.74M | 5.06M | 1.8M | 1.47M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1.52M | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 81.64K | 190.64K | 196.37K | 2.4M | 2.64M | 5.49M |
| Total Assets | 123.04K▲ 0% | 189.93K▲ 54.4% | 749.77K▲ 294.8% | 12.38M▲ 1550.5% | 12.26M▼ 0.9% | 114.05M▲ 830.0% | 97.66M▼ 14.4% | 128.66M▲ 31.8% | 122.28M▼ 5.0% | 23.41M▲ 0% |
| Asset Turnover | 13.94x | 11.24x | 1.21x | 0.81x | 0.70x | 0.23x | 0.34x | 0.51x | 0.46x | 0.52x |
| Asset Growth % | -42.48% | 54.36% | 294.77% | 1550.51% | -0.91% | 830.04% | -14.37% | 31.75% | -4.97% | -185.73% |
| Total Current Liabilities | 111.2K | 685.75K | 659.34K | 17.62M | 11.73M | 24.24M | 36.74M | 85.54M | 103.54M | 24.02M |
| Accounts Payable | 69.96K | 31.98K | 127.03K | 504.5K | 10.41M | 2.78M | 30.54M | 1.82M | 3.52M | 1.7M |
| Days Payables Outstanding | 31.24 | 10.9 | 68.47 | 16.6 | 787.4 | 100.83 | 664.09 | 16.53 | 38.22 | 478.07 |
| Short-Term Debt | 610.95K | 0 | 846.5K | 1.55M | 1.13M | 18.73M | 14.45K | 0 | 0 | 636K |
| Deferred Revenue (Current) | 0 | 0 | -127.03K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -610.95K | 0 | 874.49K | 15.09M | 68.14K | 1M | 567.55K | 81.8M | 91.15M | 21.69M |
| Current Ratio | 0.56x | 0.16x | 1.14x | 0.69x | 1.02x | 3.98x | 1.61x | 1.05x | 0.92x | 0.92x |
| Quick Ratio | 0.56x | 0.17x | 2.58x | 0.69x | 1.02x | 3.97x | 1.60x | 1.05x | 0.92x | 0.92x |
| Cash Conversion Cycle | - | - | - | - | - | 2.39 | -562.33 | - | - | -468.15 |
| Total Non-Current Liabilities | 625.7K | 28.56K | 259.72K | 120.11K | 149.9K | 60.34M | 62.84M | 19.63M | 20.23M | 2.61M |
| Long-Term Debt | 610.95K | 28.56K | 75K | 0 | 149.9K | 59.31M | 61.73M | 15.91M | 17.36M | 2M |
| Capital Lease Obligations | 14.75K | 0 | 0 | 120.11K | 0 | 1.04M | 1.11M | 3.72M | 2.86M | 7.73M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | -610.95K | -28.56K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 615K |
| Total Liabilities | 736.9K | 714.31K | 919.06K | 17.74M | 11.88M | 84.58M | 99.58M | 105.17M | 123.77M | 26.64M |
| Total Debt | 630.61K | 244.7K | 644.15K | 1.78M | 1.4M | 79.57M | 63.39M | 20.32M | 21.07M | 2.63M |
| Net Debt | 597.85K | 154.42K | 359.17K | 1.78M | 1.4M | -9.47M | 49.43M | 8.14M | 18.47M | 1.48M |
| Debt / Equity | - | - | - | - | 3.63x | 2.70x | - | 0.87x | - | -0.82x |
| Debt / EBITDA | 5.09x | 1.18x | 50.00x | - | - | - | - | - | - | -0.24x |
| Net Debt / EBITDA | 4.82x | 0.75x | 27.88x | - | - | - | - | - | - | -0.14x |
| Interest Coverage | 5.13x | 5.83x | 0.11x | -7.02x | -3.38x | -5.93x | -1.71x | -0.75x | -6.69x | -4.67x |
| Total Equity | -613.86K▲ 0% | -524.38K▲ 14.6% | -169.28K▲ 67.7% | -5.37M▼ 3070.6% | 385.24K▲ 107.2% | 29.47M▲ 7549.4% | -1.92M▼ 106.5% | 23.49M▲ 1321.6% | -1.49M▼ 106.4% | -3.22M▲ 0% |
| Equity Growth % | 8.61% | 14.58% | 67.72% | -3070.61% | 107.18% | 7549.43% | -106.53% | 1321.58% | -106.35% | -552.76% |
| Book Value per Share | -8.92 | -7.26 | -2.19 | -67.16 | 4.51 | 253.36 | -14.77 | 156.55 | -7.80 | -3.78 |
| Total Shareholders' Equity | -613.86K | -524.38K | -169.28K | -5.37M | 385.24K | 29.47M | -1.92M | 23.49M | -1.49M | -3.22M |
| Common Stock | 14.45K | 14.45K | 166.39K | 28.31K | 30.71K | 42.83K | 5K | 6K | 8K | 32K |
| Retained Earnings | 273.97K | 363.44K | 329.26K | -6.72M | -11.72M | -50.54M | -99.77M | -152.58M | -179.41M | -192.52M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -4.93M | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | 0 | 1K | 2.87K | 0 | 0 | 357K | 401K | -1.25M | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
RVYL Cash Flow Statement
Ryvyl Inc. (RVYL) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -57.77K | 467.32K | 92.46K | -156.74K | -4.16M | -27.17M | -9.34M | 33.16M | 21.19M | 21.19M |
| Operating CF Margin % | -3.37% | 21.9% | 10.15% | -1.57% | -48.81% | -103.27% | -28.39% | 50.34% | 37.84% | - |
| Operating CF Growth % | -122.08% | 908.87% | -80.21% | -269.52% | -2554.44% | -552.92% | 65.6% | 454.89% | -36.1% | -184.88% |
| Net Income | 57.86K | 89.47K | -53.3K | -4.68M | -5.01M | -35.27M | -49.24M | -53.1M | -26.82M | -19.97M |
| Depreciation & Amortization | 10.47K | 11.09K | 6.61K | 14.02K | 15.88K | 951.23K | 20.96M | 2.55M | 2.26M | 763K |
| Stock-Based Compensation | 0 | 0 | 0 | 86.5K | 3.04M | 0 | 0 | 1.85M | 624K | 578K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 128.93K | -5.28K | 44.38K | 1.24M | 1.32M | 28.8M | 8.22M | 30.91M | 14.51M | 13.44M |
| Working Capital Changes | -126.11K | 372.04K | 8.92K | 3.19M | -3.52M | -21.64M | 10.71M | 50.95M | 30.62M | 1.06M |
| Change in Receivables | 0 | -1.92K | -50K | -10.59M | 1.17M | 2.38M | -1.37M | 297K | 12.53M | 101K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | -161.86K | -15.68K | 0 | 0 | 0 |
| Change in Payables | -107.99K | 272.97K | 95.05K | 386.29K | -295.18K | 443.26K | 1.16M | 189K | 1.7M | -1.16M |
| Cash from Investing | 84.04K | -7.24K | -813.49K | -49.8K | -6.65K | -2.66M | -47.65M | 2.29M | -1.81M | -76.93M |
| Capital Expenditures | -3.65K | -7.24K | -31.25K | -49.8K | -6.65K | -158.86K | -162.34K | -108K | -47K | -178K |
| CapEx % of Revenue | 0.21% | 0.34% | 3.43% | 0.5% | 0.08% | 0.6% | 0.49% | 0.16% | 0.08% | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | -2.5M | -47.49M | -225K | 0 | 1K |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 87.69K | -7.24K | -813.49K | 0 | 0 | 0 | 0 | 2.62M | -1.76M | -76.76M |
| Cash from Financing | -40.18K | -402.56K | 721.03K | 684.67K | 5.24M | 116.06M | -10.05M | -3.01M | -241K | 7.32M |
| Debt Issued (Net) | -40.18K | 0 | 921.5K | 684.67K | 2.34M | 77.15M | -6M | -3.02M | -12K | 2M |
| Equity Issued (Net) | 0 | 14.45K | 1000K | 0 | 1000K | 1000K | -1000K | 7K | -229K | 1.19M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | -10.63M | -4.06M | 0 | -229K | 194K |
| Other Financing | 0 | -417.01K | -921.5K | 0 | 35.51K | 0 | 0 | 0 | 0 | -253K |
| Net Change in Cash | -13.91K▲ 0% | 57.52K▲ 513.5% | 0▼ 100.0% | 478.13K▲ 0% | 1.07M▲ 123.7% | 87.73M▲ 8101.7% | -48.73M▼ 155.5% | 32.48M▲ 166.7% | 18.71M▼ 42.4% | -73.75M▲ 0% |
| Free Cash Flow | -61.43K▲ 0% | 460.08K▲ 849.0% | 61.21K▼ 86.7% | -206.54K▼ 437.4% | -4.17M▼ 1917.7% | -27.32M▼ 555.7% | -9.51M▲ 65.2% | 33.05M▲ 447.7% | 21.14M▼ 36.0% | -6.02M▲ 0% |
| FCF Margin % | -3.58% | 21.56% | 6.72% | -2.06% | -48.88% | -103.88% | -28.89% | 50.18% | 37.76% | -16.99% |
| FCF Growth % | -126.24% | 848.96% | -86.7% | -437.42% | -1917.7% | -555.69% | 65.21% | 447.7% | -36.03% | -125.68% |
| FCF per Share | -0.89 | 6.37 | 0.79 | -2.58 | -48.83 | -234.93 | -73.01 | 220.28 | 110.55 | 110.55 |
| FCF Conversion (FCF/Net Income) | -1.00x | 5.22x | -2.70x | 0.03x | 0.83x | 0.77x | 0.19x | -0.62x | -0.79x | 0.30x |
| Interest Paid | 513 | 1.45K | 152.87K | 988.75K | 727.56K | 0 | 0 | 0 | 300K | 435K |
| Taxes Paid | 55.14K | 29.62K | 800 | 800 | 800 | 0 | 0 | 0 | 848K | 2K |
RVYL Key Ratios
Ryvyl Inc. (RVYL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | - | - | -1299.82% | -236.32% | -357.49% | -492.41% | -243.87% | 542.13% |
| Return on Invested Capital (ROIC) | - | - | 2.48% | - | - | -201.15% | -84.08% | -23.32% | -64.45% | -64.45% |
| Gross Margin | 52.36% | 49.83% | 25.65% | -10.88% | 43.4% | 61.72% | 48.99% | 39.04% | 40.05% | 42.68% |
| Net Margin | 3.37% | 4.19% | -3.75% | -46.83% | -58.74% | -134.1% | -149.61% | -80.62% | -47.9% | -56.37% |
| Debt / Equity | - | - | - | - | 3.63x | 2.70x | - | 0.87x | - | -0.82x |
| Interest Coverage | 5.13x | 5.83x | 0.11x | -7.02x | -3.38x | -5.93x | -1.71x | -0.75x | -6.69x | -4.67x |
| FCF Conversion | -1.00x | 5.22x | -2.70x | 0.03x | 0.83x | 0.77x | 0.19x | -0.62x | -0.79x | 0.30x |
| Revenue Growth | -19.05% | 24.41% | -57.32% | 998.24% | -14.77% | 208.56% | 25.11% | 100.15% | -14.99% | -44.25% |
RVYL Frequently Asked Questions
Ryvyl Inc. (RVYL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Ryvyl Inc. (RVYL) reported $35.4M in revenue for fiscal year 2024. This represents a 3293% increase from $1.0M in 2008.
Ryvyl Inc. (RVYL) saw revenue decline by 15.0% over the past year.
Ryvyl Inc. (RVYL) reported a net loss of $20.0M for fiscal year 2024.
Dividend & Returns
Ryvyl Inc. (RVYL) has a return on equity (ROE) of -243.9%. Negative ROE indicates the company is unprofitable.
Ryvyl Inc. (RVYL) had negative free cash flow of $6.0M in fiscal year 2024, likely due to heavy capital investments.
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